Archive for the ‘Business’ Category

You want to grow your company. Your ideas and your interested customers / suppliers are ready. But, your overall balance is not. Unfortunately, there is too much money immobilized in accounts receivable. You already have work completed or have sent product and only expect to be paid. Begin to access these funds through factoring with Capital.

What is the factoring economy?

Factoring is an ideal financing alternative for small and medium businesses, especially companies that do not have a long and established banking history with a large lender. In financial circles, there is a popular expression that says: “the bank only gives you money when you do not need it”. This is because banks operate with a financing model based on lines of credit that is based on what your company has already done and the actions you have at the time.

Factoring is especially indicated for companies that belong to the private sector and that charge by means of checks and transfers. In addition, it relieves risk to companies whose income depends on a limited number of clients. And, finally, it helps companies improve their balance sheet, liquidity, solvency and treasury ratios. With the Cash flow solutions from Alliance One you the supports will be perfect now.

What is “Inverse factoring?

The reverse factoring is what is known as Confirming and consists of a service offered by some entities through which they commit to make payment management to our suppliers and that serves to anticipate the payment of our invoices from our suppliers so that charge before maturity in exchange for the payment of some commissions and interest to the Confirming entity that anticipates the resources, that goes well because if our company is doing well to pay 90 days and our supplier does not, because before losing it, it is possible to interpose a Confirming company, which anticipates the amount of invoices in exchange for interest based on maturity and, if the supplier accepts, all so happy and happy.

The Confirming is known as inverse factoring because it is the opposite operation to that of Factoring since one manages the collection of customers and the other manages payments to suppliers and that both have as their main advantage that provides us with an excellent image in front of third parties and that we are guaranteed by a financial institution that mediates in the good end of the operations of collection and payment to third parties and another advantage is that, both they and us, we can cash the invoices thanks to the intermediation of the factoring or confirming entity .

Which option is better?

As in all financial decisions, depend. The fact that factoring can cost you an annual percentage rate of more than 20% does not mean that you should discard it automatically. Imagine this hypothetical situation: a supplier of an item has a contract to sell his product to a large customer, and the sale could mean $ 500,000 in profits. To fulfill the contract, the supplier needs to invest $ 50,000 to produce the product in two weeks. Are you going to risk losing the account for $ 10,000 (20% of $ 50,000 that it would cost to pay a factoring company)? On the other hand, if the provider has time and has his finances in order, an LDC may be the most profitable option, even if he does not provide insurance on the client’s bills.

The location of your premises will of course be the first criterion in your choice of installation, discover Singapore businesses.  The ideal is indeed to be located in a commercial district, with a lot of passage. The second criterion is the space you can occupy outside the store: it is essential to attract the eye and the customer! This space can be arranged by you in order to be attractive.

It is strongly advised to have a room dedicated to the storage and preparation of about 20 m² and a sales area of ​​25 to 60 m2, for example can be divided as follows: 25% for the box and packing station, 60% for plant exposure indoors, and 15% for the outdoor sales area. Remember to install sieving blinds to avoid direct sunlight, use suitable lighting, and respect the constraints of hygrometry (95% humidity) and temperature (15 to 20 ° C).

Current context

In an evolving market marked by the proliferation and growth of retailers, the self-employed are an example for other activities. After progressing until the 2000s, they have stagnated since then, but do not fall, which a real feat is given the explosion of competition.

Want to become a florist?

All craft activities require a professional qualification to be able to be exercised properly. No diploma is required to sell flowers. Nevertheless, a florist is a profession that is learned and is constantly evolving to become good at florist Singapore.

Fixtures and decorative elements

  • Blinds or filter lacquers to avoid the sun.
  • Climate chamber (from 7,500 euros for a small size 120 X 120 X 195 cm): it is now proven that the climate chamber is an essential tool for the preservation of flowers.
  • A cold room thus keeps 80% of the flowers for three days.
  • Sales counter, cash register, packing station.
  • Shelves and showcases.


Rigorous management of purchases and stocks is one of the keys to success. Better to buy little, but often to limit losses. Stocks are characterized by their fragility and rapid turnover, following frequent replenishments.

  • Cut flowers: every two days or twice a week,
  • Green plants: once a fortnight.
  • 15 to 25% for cut flowers,
  • 12 to 15% for flowering plants,
  • 5 to 10% for green plants.


The valuation of the funds can be based on the net profit margin established over the past three years, or on the basis of the annual pre-tax turnover. The job of a florist is to buy flowers, prepare them, cut them, clean them and finally sell them. Registered since 1986 in the directory of trades, the professional is considered a real craftsman who knows how to make a floral composition to meet the expectations and budget of the client. The activity is seasonal with a peak during the holidays.